Goal SIP Calculator
Most calculators start with what you can spare and tell you where you'll end up. This one runs the other way: you name the number and the deadline, and it tells you what the habit has to be.
That reversal changes the conversation. "Save more" is advice nobody acts on. "₹18,400 a month for eleven years" is an instruction you can either follow or renegotiate — by extending the deadline, lowering the target, or accepting more risk. Anything already saved is counted first, because it keeps compounding while you add to it.
How it works
- 01Your existing savings are grown forward to the deadline first. Whatever gap is left is what the monthly SIP has to close.
- 02The annuity formula is inverted to solve for the payment: P = FV × i ÷ ((1+i)ⁿ − 1) ÷ (1+i).
- 03"Market covers" is the part of your target that compounding contributes rather than you — the longer the runway, the larger that share gets.
Frequently asked
The monthly number is more than I can afford. Now what?+
You have exactly four levers: extend the deadline, cut the target, raise the assumed return by taking more risk, or increase income. Extending the deadline is usually the cheapest and safest — add three years and watch the requirement drop sharply.
Should I adjust the target for inflation?+
For anything beyond five years, yes. A goal that costs ₹20 lakh today will cost around ₹36 lakh in ten years at 6% inflation. Run your target through the inflation calculator first, then bring the future figure back here.
What return is safe to assume for a short goal?+
For under three years, assume 6–7% and use debt funds or deposits. Equity returns are only dependable over long stretches; a goal you need in eighteen months should not depend on the market cooperating.
Can I raise the SIP each year instead of paying the full amount now?+
Yes, and it is often the realistic path. A step-up SIP that starts lower and rises 10% a year reaches most targets while matching how incomes actually grow.